Life Insurance pay your love ones, Medical pays yourself.

if u have no dependents, get medical first.
if u do, get life first.

life term starts at 328 to 1,
medical varies in age.

ING, HLA seems fine to me ....

heard some stories about GE ....

but the important factor for medical claim is agent where the more experience the agent is, the better it is. If the agent knows the way around, the claims are easier, faster and sometimes could be more too ...

Death, critial and accident claims are standard protocol your benefitial can do directly from the office ... but medical requires many documents from many parties ....

Medical plans are still evolving, the benefits you listed above may still add/minus as it goes ...